ICICI Bank Emeralde Credit Card
Fees
₹12,000 + Taxes
Joining & annual
Reward Rate
4 Reward Points per ₹100 spent on all categories
Welcome Bonus
Complimentary golf and lounge access from day one; welcome offer varies by current promotion
Lounge
Unlimited Domestic + International
Our Expert Take
The ICICI Bank Emeralde Credit Card from ICICI Bank offers Unlimited Airport Lounge & Golf Privileges with an annual fee of ₹12,000 + Taxes.
Pros & Cons
Key Advantages
- Unlimited complimentary domestic and international airport lounge access
- Complimentary golf round/lesson per ₹50,000 monthly spend, up to 4/month
- 4 Reward Points per ₹100 spent across all categories
- Fee waiver threshold (Annual fee waived on ₹15 Lakh annual retail spends)
Limitations
- ₹12,000 fee needs ₹15 Lakh annual spend to waive
- Golf rounds capped at 4/month regardless of higher spends
- No dedicated airline mile transfer program, unlike travel-focused cards
Key Perks & Spending Milestones
4 Reward Points per ₹100 spent across all categories
Unlimited complimentary domestic and international airport lounge access
1 complimentary golf round or lesson per ₹50,000 monthly spend, up to 4/month
1% fuel surcharge waiver on transactions between ₹400 and ₹4,000
Renewal fee waived on ₹15 lakh in annual spends
Spend milestone
Annual fee waived on ₹15 Lakh annual retail spends
Fees & Charges
Joining fee
₹12,000 + Taxes
Annual fee
₹12,000 + Taxes
Annual fee waived on ₹15 Lakh annual retail spends
Interest rate
3.6% per month (43.2% per annum)
Late payment fee
- Up to ₹500
- Nil
- ₹501 to ₹1,000
- ₹500
- ₹1,001 to ₹5,000
- ₹600
- ₹5,001 to ₹10,000
- ₹750
- ₹10,001 to ₹25,000
- ₹900
- ₹25,001 to ₹50,000
- ₹1,100
- Above ₹50,000
- ₹1,300
Insurance & Protection Benefits
air accident cover
Up to ₹50 Lakh
lost card liability
Up to ₹1 Lakh
purchase protection
Nil
emergency medical cover
Nil
Eligibility Criteria
salaried minimum income
₹25,000 per month
self employed ITR
₹6 Lakh per annum
age
21 to 65 years
Credit score & income
Good (730+)
Frequently Asked Questions
What's the reward rate on ICICI Emeralde (plastic)?
How many lounge visits does Emeralde offer?
What golf benefit comes with Emeralde?
How is the ₹12,000 renewal fee waived?
Compare ICICI Bank Emeralde Credit Card With Similar Cards
| Card | Annual Fee | Reward Rate | Lounge Access | Rating |
|---|---|---|---|---|
| ICICI Bank Emeralde Credit Card This Card | ₹12,000 + Taxes | 4 Reward Points per ₹100 spent on all categories | Unlimited Domestic + International | 4.8/5 |
| Axis Bank Reserve Credit Card | ₹50,000 + Taxes | 15 EDGE points per ₹200 domestic spend; 30 EDGE points per ₹200... | Unlimited + 12 Guest Visits/yr | 4.9/5 |
| IDFC FIRST Diamond Reserve Credit Card | ₹3,000 + Taxes | Up to 60 points per ₹150 on hotel bookings (10% value-back) and 40... | 8 Domestic + 8 International/yr (₹20K Spend) | 4.9/5 |
| SBI Aurum Card | ₹9,999 + Taxes | 4 Reward Points per ₹100 on all spends (1% base); up to 3.7%... | 4 Domestic/Qtr + Unlimited International | 4.8/5 |